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2807 Main St, Emmetsburg, IA, 50536

5beds
3baths
2,440sqft
$229,900
$94price/sqft
$1,963/moest. monthly cost
$78,520/yrincome needed

About This Home

Classic Colonial style home with a grand foyer, large living room with a wood burning fireplace, sunroom, possibly 5 bedrooms including a main floor option, 2.5 bathrooms, 4 garage stalls, large living room with wood burning fireplace, walk-up attic, primary bedroom has en suite, French doors & oh that staircase! This Stately home has it all with a cemented patio area, including a raised cement hot tub pad & privacy fence! The mini-splits offer comfortable air conditioning as well as supplemental heat. The walk-up attic is huge & can add even more potential space. The roof is new on the house and the attached garage and the electrical panel was just updated. Steel roof on the triple-car garage. Large corner lot with extra green space in back!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

4/10
West Elementary SchoolGrades PK-40.2 mi
8/10
Emmetsburg Middle SchoolGrades 5-80.5 mi
6/10
Emmetsburg High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1926

Materials

  • Roof: Metal
  • Construction materials: Steel Siding,Stick Built

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Range/Stove,Refrigerator,ENERGY STAR Qualified Dishwasher,ENERGY STAR Qualified Refrigerator,Gas Water Heater,Water Softener Owned
  • Laundry features: Washer/Dryer Hkups

Basement

  • Has basement: Yes
  • Basement: Unfinished,Block,Full

Bathroom1

  • Level: Main

Bedroom1

  • Level: Second

Bedroom2

  • Level: Second

Bedroom3

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main

Features

  • Natural Woodwork,Pantry
  • Flooring: Hardwood
  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Attic: Walk-up
  • Finished area below ground: 0
  • Finished area above ground: 2,440

Foyer

  • Level: Main

Heating & Cooling

  • Heating features: Boiler,Fireplace(s),Radiant,Space Heater,Hot Water
  • Cooling features: Ductless,ENERGY STAR Qualified Equipment

Interior Area

  • Total structure area: 2,440
  • Total interior livable area: 2,440 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Office

  • Level: Upper

Other

  • Level: Main

Property

Details

  • Parcel number: 600002009011
  • Attached to another structure: Yes

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Partial

Lot

  • Lot size: 0.53 Acres
  • Features: Corner Lot
  • Lot size dimensions: 88 x 264

Parking

  • Total spaces: 4
  • Parking features: Concrete,Attached,Detached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Winter Weather
Hail
Strong Wind
Tornado
Ice Storm

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,162$13,944
Home Insurance *$359$4,308
Property Taxes $260$3,120
Electricity $182$2,184
Total$1,963$23,556
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,302/yr
40% on housing$58,890/yr
45% on housing$52,346/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 17.9%
17.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$94This listing

vs Other Active Listings

Avg $/sqft

ZIP 50536$110
Palo Alto County$101

vs Homes Sold Last Month

Median $/sqft

ZIP 50536
Palo Alto County$81

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-21Price change$229,900
2026-01-06Price change$244,000
2025-10-17Listed for sale$249,000
2025-06-28Contingent$249,000
2025-04-08Price change$249,000
2025-03-11Price change$264,900
2025-01-07Listed for sale$279,900
2024-09-12Listing removed$294,900
2024-07-24Price change$299,900
2024-07-09Price change$309,900
2024-05-28Listed for sale$319,900

For Sale by Agent

AgentDana Reinders
BrokerageEXIT Realty Midwest- Spencer/Emmetsburg

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